Trust: Our service culture will confirm and mirror the reliance and confidence entrusted to us by our stakeholders.

Integrity: We will constantly work to serve customers and stakeholders with honesty and steadfast adherence to strict moral and ethical codes.

Ethics: We will strive to do good to our customers and community at large, carefully considering the most effective appropriate means to attain our objectives whilst promoting the highest standard of professionalism and among our people.

Mutual Respects: We will encourage a work environment that recognizes the cultural, racial and age diversity of our people and in which the views and opinions of every staff member is respected.

Customer Service Excellence: Anticipating, meeting and surpassing our customer’s needs through the commitment of our people and the deployment of latest Information Technology infrastructure to offer flexible and adaptable products and services.

Social Responsibility: Always bearing in mind that without our environment we will not exist and therefore, we will be socially aware and show a high level of love and care to it.

OUR BUSINESS OBJECTIVES

Rank / Size: We aim to be and remain NUMBER 3 in terms of profitability, returns on investment, stability, asset quality, customer satisfaction and loyalty. We will achieve these objectives whilst meeting fully our social responsibility as a good corporate citizen. We do not intend to be everybody’s bank, in terms of market focus, but will aim to touch the lives of as many as possible in our host communities. For our target customers, we will partner with them to meet all their banking needs.

Asset Quality: We intend to have the highest quality assets and to be consistently number one in the microfinance banking industry in this respect. Our Credit Risk Management., Credit Approval Systems and all other aspects of our business will be second to none in the industry.

Delivery Channels: We will deploy branches strategically, in addition to forming alliances with first class financial institutions where necessary, to ensure prompt and adequate coverage. We will adopt a multi-channel service delivery strategy to ensure 24/7 access by our customers.

Service Management: Customer service excellence is our foundation. To achieve this, we will put in place strong compliance mechanisms to ensure we keep the promises we make to our customers.

Information Technology: As the hinge on which we intend to drive our Vision, we will ensure that we deploy appropriate IT infrastructure to build and sustain competitive advantage in the area of product design, delivery and customer relationship management.

Our People: We employ the best people available, training, rewarding and motivating them to be the best they can be, in the process, ensuring an internal environment that encourages innovation, healthy competition and professionalism.